Everyday
72-instalment debt plan calculator
Estimate a monthly payment for eligible Greek tax or social-insurance debt.
- For tax year 2026
- Rules last checked 24 October 2026
- Takes about 2 minutes
Indicative monthly payment
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Main rules
Main rules
The active AADE and e-EFKA plans cover eligible debt through 31 December 2023, up to 72 instalments, with a €30 minimum payment and applications through 31 December 2026. Additional eligibility conditions apply.
How the estimate works
The temporary plan accepts eligible overdue debt through 31 December 2023, with applications due by 31 December 2026.
A 120-instalment expansion was announced in October 2026, but it is not included unless and until legislation and application details take effect.
The calculator applies a 5.84% annual interest assumption over the selected term, subject to a maximum of 72 payments and a €30 minimum monthly amount.
The official AADE or KEAO system determines eligible debt, surcharges, interest and the binding instalment amount. Confirm eligibility before applying.
Sources
- Decision A. 1141/2026 — up to 72 instalmentsΑΑΔΕ
- KEAO 72-instalment debt plane-ΕΦΚΑ
- Announcement of a proposed expansion to 120 instalmentsΥπουργείο Εθνικής Οικονομίας και Οικονομικών
Frequently asked questions
Which debts may be included?
The active plan covers eligible overdue debts through 31 December 2023. Tax and social-insurance rules include additional conditions.
Is the announced 120-payment plan active?
The government announced an expansion, but the calculator uses the published active 72-payment rules until the change is enacted and operational.